We don’t have to point out that fact that car insurance companies don’t want you to look for cheaper rates. People who shop around for the cheapest price are inclined to switch companies because there is a significant possibility of finding a lower-priced policy. A recent survey found that consumers who make a habit of shopping around saved an average of $72 a month as compared to drivers who never compared rates.
If finding budget-friendly car insurance in Anchorage is your objective, then knowing the best way to shop and compare auto insurance can make it simple to find affordable coverage.
Really, the only way to get low-cost Nissan 350Z insurance in Anchorage is to annually compare prices from insurance carriers that insure vehicles in Alaska. You can compare prices by following these guidelines.
First, take a few minutes and learn about how auto insurance works and the changes you can make to keep rates low. Many policy risk factors that drive up the price like accidents, careless driving, and a poor credit score can be controlled by making minor changes to your lifestyle.
Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies. Start a quote
Third, compare the price quotes to your existing policy and determine if there is any savings. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
The most important part of shopping around is to use the same coverage limits and deductibles on each quote request and and to analyze as many car insurance companies as possible. This guarantees a fair price comparison and the best rate selection.
Choosing the most cost-effective insurance policy in Anchorage can be made easier if you know where to look. If you have a policy now or are just looking to switch companies, you will benefit by learning to reduce the price you pay while maintaining coverages. Drivers only need an understanding of the tricks to shop for insurance from multiple carriers.
Finding a lower price on Nissan 350Z insurance is a fairly straight forward process. All you need to do is take the time to get quotes to find the company with low cost Anchorage car insurance quotes.
The providers in the list below offer quotes in Anchorage, AK. If you want cheap car insurance in Anchorage, AK, it’s highly recommended you visit as many as you can in order to find the lowest rates.
Protect more than your Nissan 350Z
Despite the high cost, insurance is mandatory in Alaska but it also protects more than you think.
First, almost all states have mandatory liability insurance requirements which means you are required to carry a specific level of liability insurance coverage in order to drive the car. In Alaska these limits are 50/100/25 which means you must have $50,000 of bodily injury coverage per person, $100,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
Second, if your vehicle has a lienholder, most banks will force you to have physical damage coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Nissan at a significantly higher premium and force you to pay for the much more expensive policy.
Third, auto insurance protects both your Nissan and your assets. Insurance will also pay for most medical and hospital costs for not only you but also any passengers injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If you have damage to your Nissan as the result of the weather or an accident, collision and comprehensive coverages will pay all costs to repair after the deductible has been paid.
The benefits of carrying enough insurance definitely exceed the cost, especially with large liability claims. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $869 every year so it’s important to compare rates once a year at a minimum to help ensure money is not being wasted.
How Your 350Z Insurance Premiums are Determined
It’s important that you understand some of the elements that aid in calculating your policy premiums. When you know what positively or negatively impacts premium levels, this helps enable you to make changes that will entitle you to lower car insurance prices.
Shown below are some of the things companies use to determine your rates.
Premiums drop with age – Teenage drivers in Alaska have a tendency to be less responsible in a vehicle so they pay higher car insurance rates. If you’ve ever had to add a inexperienced driver to your policy will cause a huge premium hike. Mature drivers tend to be more responsible, cause fewer claims and accidents, and usually have better credit.
Only buy coverage you need – Insurance companies have many extra bells and whistles that you can get tricked into buying when buying car insurance. Things like coverage for rental cars, accident forgiveness, and additional equipment coverage are examples of these. The coverages may be enticing when deciding what coverages you need, but if you have no use for them eliminate them to save money.
More people means more accidents – Having an address in a rural area can be a good thing when talking about car insurance. Fewer drivers on the road means fewer accidents as well as less vandalism and auto theft. Residents of big cities regularly have much more traffic and higher rates of accident claims. More time behind the wheel means a statistically higher chance of an accident.
Don’t cut corners with liability protection – The liability coverage on your policy provides coverage if a jury decides you are liable for causing damage or personal injury in an accident. This coverage provides legal defense coverage to defend your case. Liability insurance is pretty cheap compared to comp and collision, so drivers should buy more than the minimum limits required by law.
Gender matters – The statistics show women are more cautious behind the wheel. This data doesn’t prove that females are better drivers. Females and males get in auto accidents at a similar rate, but the men tend to have more serious accidents. Men also receive more costly citations like driving under the influence (DUI).
Use credit responsibly and save – Having a bad credit rating can be a huge factor in calculating your premium rate. Drivers who have very high credit ratings tend to be more responsible as compared to drivers with lower ratings. Therefore, if your credit rating can use some improvement, you could potentially save money when insuring your Nissan 350Z if you clean up your credit.
Car features that cut premiums – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention devices such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart vehicle theft.
Car insurance lapses raise prices – Having a lapse in insurance coverage can be a fast way to increase your renewal premiums. And not only will insurance be more expensive, failure to provide proof of insurance could earn you a steep fine or even jail time.
Affordable rates by applying discounts
Insurance can be prohibitively expensive, but you might already qualify for some discounts to cut the cost considerably. Many of these discounts will be applied automatically at quote time, but less common discounts must be requested specifically before being credited.
- Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with slightly better car insurance rates than normal.
- Payment Method – By making one initial payment instead of monthly or quarterly installments you can avoid the installment charge.
- Multi-Vehicle Discounts – Purchasing coverage when you have several vehicles with the same company can reduce rates for all insured vehicles.
- Anchorage Homeowners Pay Less – Just being a homeowner may trigger a policy discount on car insurance because of the fact that having a home means you have a higher level of financial diligence.
- Military Discounts – Having an actively deployed family member can result in better rates.
- Braking Control Discount – Vehicles with ABS braking systems or traction control prevent accidents and the ABS can save up to 10%.
- Seat Belts Save – Drivers who always wear seat belts and also require passengers to wear their seat belts can save up to 15% off the medical payments premium.
- Student Driver Training – Cut your cost by having your teen driver enroll and complete driver’s education in high school.
- Clubs and Organizations – Being in a qualifying organization is a simple method to lower premiums on your bill.
Consumers should know that most discount credits are not given to the entire policy premium. Most only cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like you can get free auto insurance, you aren’t that lucky. But any discount will cut the cost of coverage.
A list of car insurance companies and a selection of discounts are detailed below.
- State Farm discounts include multiple policy, accident-free, safe vehicle, Drive Safe & Save, student away at school, and defensive driving training.
- Esurance may offer discounts for paid-in-full, claim free, defensive driver, good driver, and anti-theft.
- Progressive offers premium reductions for homeowner, multi-policy, multi-vehicle, continuous coverage, good student, online signing, and online quote discount.
- Liberty Mutual policyholders can earn discounts including good student, preferred payment discount, safety features, new graduate, exclusive group savings, and newly married.
- Auto-Owners Insurance includes discounts for anti-lock brakes, company car, student away at school, group or association, and multiple vehicles.
- GEICO has discounts for five-year accident-free, anti-lock brakes, seat belt use, multi-policy, daytime running lights, and federal employee.
When quoting, ask each insurance company to give you their best rates. Some discounts listed above may not apply in every state. If you would like to choose from a list of car insurance companies that have a full spectrum of discounts in Anchorage, follow this link.
Insurance can be complex
When it comes to choosing the best insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different.
For instance, these questions can help discover if you would benefit from an agent’s advice.
- What are good deductibles for a Nissan 350Z?
- What is no-fault insurance?
- Why am I required to buy high-risk coverage?
- Is my business laptop covered if it gets stolen from my vehicle?
- Do I need medical payments coverage since I have good health insurance?
- Am I covered if I back into my garage door?
- Is upholstery damage covered by car insurance?
If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.
Auto insurance is available from local agents
Many drivers just prefer to sit down with an agent and that is just fine! Most agents can help you build your policy and help file insurance claims. One of the best bonuses of comparing rate quotes online is that you can find better rates but still work with a licensed agent.
To make it easy to find an agent, after completing this simple form, your insurance coverage information is immediately sent to insurance agents in Anchorage who can give free rate quotes for your insurance coverage. It makes it easy because there is no need to leave your computer as quotes are delivered instantly to you. If you need to quote rates from a specific company, just find their quoting web page and complete a quote there.
Picking a company should include more criteria than just a cheap quote. Any agent in Anchorage should have no problem answering these questions:
- What is the agency’s Better Business Bureau rating?
- How much will you save each year by using a higher deductible?
- What companies can they write with?
- What company holds the largest book of business for them?
- Do the companies they represent have a solid financial rating?
The following are agents in Anchorage that are able to give price quotes for Nissan 350Z insurance in Anchorage.
- Marsh Mc Lennan Agency
1031 W 4th Ave #400 – Anchorage, AK 99501 – (907) 276-5617 – View Map
- Allstate Insurance: Devery Prince Agency Team
401 E Fireweed Ln Ste 200 – Anchorage, AK 99503 – (907) 279-9000 – View Map
- Associated Insurance Services
7125 Old Seward Hwy #203 – Anchorage, AK 99518 – (907) 349-2229 – View Map
- Lisa Sanders – State Farm Insurance Agent
8427 Laviento Dr #201 – Anchorage, AK 99515 – (907) 344-0506 – View Map
What is the best car insurance company in Anchorage?
Picking a good quality car insurance provider can be rather challenging considering how many companies sell insurance in Anchorage. The rank data listed below could help you analyze which companies you want to consider shopping your coverage with.
Top 10 Anchorage Car Insurance Companies Ranked by Customer Service
- State Farm
- The Hartford
- The General
- American Family
- AAA Insurance
- Liberty Mutual
- Farmers Insurance
Top 10 Anchorage Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 94%
- AAA Insurance – 91%
- State Farm – 90%
- GEICO – 89%
- The Hartford – 89%
- The General – 88%
- 21st Century – 88%
- Allstate – 88%
- Liberty Mutual – 88%
- Esurance – 87%
A conclusion for your car insurance search
Drivers change insurance companies for many reasons like extreme rates for teen drivers, policy non-renewal, high rates after DUI convictions and even delays in responding to claim requests. It doesn’t matter what your reason, finding a great new company can be easier than you think.
Lower-priced Nissan 350Z insurance in Anchorage can be sourced both online and from local insurance agents, so you should compare both so you have a total pricing picture. A few companies may not have online rate quotes and these small insurance companies prefer to sell through independent agents.
We covered a lot of ways to compare Nissan 350Z insurance auto insurance rates in Anchorage. The most important thing to understand is the more quotes you get, the better likelihood of getting inexpensive Anchorage car insurance quotes. Drivers may even discover the best price on car insurance is with a lesser-known regional company.
To learn more, link through to the resources below:
- Top Signs Your Brakes are Giving Out (State Farm)
- What Insurance is Cheapest for Drivers with Accidents in Anchorage? (FAQ)
- Who Has Affordable Auto Insurance Quotes for Young Drivers in Anchorage? (FAQ)
- How Much are Anchorage Car Insurance Quotes for a Honda Civic? (FAQ)
- Who Has Affordable Car Insurance Quotes for Low Credit Scores in Anchorage? (FAQ)
- Who Has Affordable Car Insurance Quotes for a Ford Explorer in Anchorage? (FAQ)
- Who Has Affordable Car Insurance for a Nissan Rogue in Anchorage? (FAQ)
- Electronic Stability Control FAQ (iihs.org)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Cellphones, Texting and Driving (iihs.org)
- Choosing an Insurance Company (Insurance Information Institute)